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Life Insurance Calculator

📅 Updated 24 April 2026 · 👪 Family support and debt cover planning · ⚡ Existing cover offset built in

Estimate how much life insurance cover you may want based on mortgage debt, other liabilities, support for children, a lump sum for family, and the cover you already have in place.

Cover Planning

Start with the core costs your family may need covered if you were gone.

This page keeps the same field structure as your reference screenshot, then adds a cleaner results breakdown underneath so readers can see how the recommendation is built up.

  • Add mortgage and other debts you would want cleared.
  • Include support for children and any lump-sum legacy you want to leave.
  • Subtract existing personal and company cover to see the estimated shortfall.

Life Insurance Calculator

Please enter your personal financial details to help calculate how much life insurance you need:
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$
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$
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$
How much money do you owe on other debts?
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$
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$
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$
How much existing life insurance cover do you have?
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$
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$

Debt protection

Use the mortgage and debt fields to estimate how much you would want cleared immediately.

Family support

Children and lump-sum support fields let readers add future support goals, not just liabilities.

Offset existing cover

Existing personal and employer cover is subtracted so the result focuses on the estimated remaining gap.

Why Use a Life Insurance Calculator NZ?

Ensuring your loved ones are financially protected requires accurate planning. A robust life insurance calculator NZ helps you determine exactly how much cover you need to settle your mortgage, cover immediate living costs, and provide for your family's future. Eliminate the guesswork and secure the right policy amount for your New Zealand lifestyle.